SpiritBank

BankTulsa, Oklahoma
www.spiritbank.com

Total Assets

$936.3M

Total Deposits

$843.3M

Branches

6

Established

1916

TFS Health Grade

$
C-

70.3 / 100

Average financial health

How we grade

SpiritBank is a bank headquartered in Tulsa, Oklahoma, established in 1916. With $936.3M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (70.3/100).

Capital & Safety

Tier 1 Capital Ratio
8.98%(8%)
Total Capital Ratio
14.36%(10%)
Non-Performing Loan Ratio
1.22%

Profitability

Return on Assets (ROA)
1.35%(1%)
Return on Equity (ROE)
14.40%(10%)
Net Interest Margin
3.66%
Efficiency Ratio
60.21%(60%)

Lending & Liquidity

Total Loans
$613.0M
Loan-to-Deposit Ratio
71.77%
Net Charge-Off Ratio
0.10%

Growth

Asset Growth (YoY)
+23.20%
Deposit Growth (YoY)
+25.52%
Net Income
$11.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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